PPF Calculator
To calculate PPF maturity, ClickZM compounds yearly at the notified 7.1% rate (October 2026) over 15 years, respecting the ₹1.5 lakh annual cap. ₹1.5 lakh a year grows to about ₹40.7 lakh.
Results are estimates for planning, not financial or tax advice. How we source rates
- Free
- No signup
- Runs in your browser
How to use PPF Calculator
- 1Type or paste your input into the PPF Calculator.
- 2Choose any options you need.
- 3See the result update instantly.
- 4Copy the result or download it.
How the PPF Calculator works
The calculator adds each year's deposit and compounds interest once a year at the notified rate. PPF interest is worked out on the lowest balance between the 5th and the end of each month, so the yearly model matches a deposit made before 5 April; deposits later in the year earn a little less.
The government reviews the PPF rate every quarter, so a 15-year projection at today's rate is an estimate. Deposits must be ₹500 to ₹1.5 lakh a year, and after 15 years the account can be extended in blocks of 5 years.
Often used with: SIP Calculator, FD Calculator, Income Tax Calculator
PPF Calculator: questions people ask
Is PPF interest taxable?
No. PPF is EEE: contributions qualify for 80C, interest and maturity are tax-free.
Can I extend PPF after 15 years?
Yes, in blocks of 5 years, with or without new contributions.
Is my data uploaded when I use the PPF Calculator?
No. The PPF Calculator runs entirely in your web browser, so your text and numbers stay on your device and work even on a slow connection.
Does the PPF Calculator work on iPhone, Android and Mac?
Yes. The PPF Calculator runs in any modern browser (Safari, Chrome, Edge or Firefox) on iPhone, iPad, Android phones, Mac, Windows and Chromebook. There is no app to install.
Is the PPF Calculator free?
Yes. The PPF Calculator is free with no signup, no watermark and no daily limit.
What interest rate is prefilled?
7.1% a year, the Public Provident Fund rate the Finance Ministry kept for October–December 2026. The rate is reviewed every quarter. Change it when a new notification is issued. This calculator does not update the rate by itself.
Why does monthly deposit earn less than one yearly deposit?
PPF interest is calculated on the lowest balance between the 5th and the end of each month. A deposit in April earns for 12 months. A deposit in March earns for one month. Paying the whole year's amount in April produces the higher maturity.
What is the maximum I can put in?
₹1,50,000 in a financial year, counting every PPF account in your name. The calculator caps deposits at that limit. The account runs for 15 years and can be extended in blocks of 5.